It is much easier to get paid charge-offs removed than unpaid charge-offs. There is no incentive for the creditor to fight the dispute, since they already have their money. So if you dispute the charge-off, the credit bureaus will send a verification request to the creditor. Most often the creditor will ignore the verification request. After 30 days with no response from the creditor, the credit bureaus will remove the charge-off form your credit bureau. Continue reading How is my credit score impacted by paying a charge off?
All articles about FiCO Scores
How to DIY Credit Repair Tips

One of the booming cottage industries that has emerged from the Great Recession is credit repair companies. Most are by the same people who flew the sub prime mortgage industry into the ground lying to home buyers about their ability to refinance out of a high cost mortgage into a more affordable long-term mortgage in just two short years once their credit improved. Continue reading How to DIY Credit Repair Tips
Rent payments now appear on Experian credit reports
Even if you use traditional credit very little, now you can build a good history by having your rent payments reported to the credit bureau. Continue reading Rent payments now appear on Experian credit reports
What is a FiCO score?
The most widely used credit scores are FICO scores, which were developed by Fair Isaac & Company, Inc. (and they’re named after their inventor!)
Practical Tips for Improving Your FICO Scores
many people don’t know is that recently the credit bureau changed how they handle credit inquiries and so now when you shop for a mortgage, even if multiple lenders review your credit they will all see the same scores and information so long as the last credit inquiry is within 14 days of the first.